Home > Citizens Bank of Gwinnett > Income and Expense
Citizens Bank of Gwinnett, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,854,000 | 2,361 |
| Total interest expense | $5,563,000 | 2,681 |
| Net interest income | $8,291,000 | 2,094 |
| Provision for loan and lease losses | $539,000 | 1,680 |
| Total noninterest income | $993,000 | 3,057 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $856,000 | 1,510 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $137,000 | 5,936 |
| Total noninterest expense | $5,678,000 | 2,268 |
| Salaries and employee benefits | $2,971,000 | 2,225 |
| Premises and equipment expense | $887,000 | 2,218 |
| Additional noninterest expense | $1,820,000 | 2,288 |
| Pre-tax net operating income | $3,067,000 | 2,442 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $911,000 | 2,632 |
| Income before extraordinary items | $2,154,000 | 2,412 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,154,000 | 2,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,544 |
| Cash dividends | $195,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,155,400 | 2,355 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,018,000 | 2,981 |
| Total interest expense | $5,104,000 | 2,942 |
| Net interest income | $5,914,000 | 3,001 |
| Provision for loan and lease losses | $303,000 | 2,539 |
| Total noninterest income | $804,000 | 3,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $655,000 | 2,060 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 5,991 |
| Total noninterest expense | $4,407,000 | 3,074 |
| Salaries and employee benefits | $2,490,000 | 2,712 |
| Premises and equipment expense | $701,000 | 2,789 |
| Additional noninterest expense | $1,216,000 | 3,741 |
| Pre-tax net operating income | $2,008,000 | 3,415 |
| Securities gains (losses) | $12,000 | 2,365 |
| Applicable income taxes | $500,000 | 4,144 |
| Income before extraordinary items | $1,520,000 | 3,152 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,520,000 | 3,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,232 |
| Cash dividends | $184,000 | 5,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,511,000 | 3,132 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,435,000 | 4,318 |
| Total interest expense | $3,204,000 | 4,476 |
| Net interest income | $4,231,000 | 4,122 |
| Provision for loan and lease losses | $118,000 | 4,263 |
| Total noninterest income | $702,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $491,000 | 2,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 4,973 |
| Total noninterest expense | $3,342,000 | 3,905 |
| Salaries and employee benefits | $1,947,000 | 3,387 |
| Premises and equipment expense | $430,000 | 4,264 |
| Additional noninterest expense | $965,000 | 4,493 |
| Pre-tax net operating income | $1,473,000 | 4,518 |
| Securities gains (losses) | $-30,000 | 10,836 |
| Applicable income taxes | $431,000 | 4,679 |
| Income before extraordinary items | $1,012,000 | 4,559 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,012,000 | 4,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,579 |
| Cash dividends | $492,000 | 3,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,033,000 | 4,463 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,800,000 | 5,018 |
| Total interest expense | $2,059,000 | 5,482 |
| Net interest income | $3,741,000 | 4,653 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $542,000 | 4,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $453,000 | 3,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 7,880 |
| Total noninterest expense | $2,604,000 | 4,973 |
| Salaries and employee benefits | $1,483,000 | 4,316 |
| Premises and equipment expense | $338,000 | 5,200 |
| Additional noninterest expense | $783,000 | 5,802 |
| Pre-tax net operating income | $1,599,000 | 4,173 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $594,000 | 3,540 |
| Income before extraordinary items | $1,005,000 | 4,528 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,005,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 1,006 |
| Net operating income | $1,005,000 | 4,569 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,497,000 | 5,336 |
| Total interest expense | $2,167,000 | 5,445 |
| Net interest income | $3,330,000 | 5,177 |
| Provision for loan and lease losses | $170,000 | 4,340 |
| Total noninterest income | $568,000 | 5,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $496,000 | 2,822 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $2,664,000 | 4,992 |
| Salaries and employee benefits | $1,418,000 | 4,495 |
| Premises and equipment expense | $349,000 | 5,250 |
| Additional noninterest expense | $897,000 | 5,381 |
| Pre-tax net operating income | $1,064,000 | 5,637 |
| Securities gains (losses) | $77,000 | 2,843 |
| Applicable income taxes | $400,000 | 5,007 |
| Income before extraordinary items | $741,000 | 5,879 |
| Extraordinary gains, net | $30,000 | 2,491 |
| Net income | $771,000 | 5,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 4,080 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $690,950 | 5,910 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,618,000 | 5,803 |
| Total interest expense | $2,583,000 | 5,826 |
| Net interest income | $3,035,000 | 5,659 |
| Provision for loan and lease losses | $385,000 | 3,542 |
| Total noninterest income | $489,000 | 5,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,567 |
| Total noninterest expense | $2,616,000 | 5,097 |
| Salaries and employee benefits | $1,241,000 | 5,009 |
| Premises and equipment expense | $342,000 | 5,454 |
| Additional noninterest expense | $1,033,000 | 4,924 |
| Pre-tax net operating income | $523,000 | 8,239 |
| Securities gains (losses) | $75,000 | 3,478 |
| Applicable income taxes | $186,000 | 7,837 |
| Income before extraordinary items | $412,000 | 8,090 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $412,000 | 8,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 4,039 |
| Cash dividends | $38,000 | 8,042 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,087 |
| Net operating income | $360,250 | 8,251 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.